Legal Subjectivity:

The pursuit period for credit card overdrafts is three years. If the obligee makes a request within the statute of limitations stipulated by law, the people's court will force the obligor to perform the obligations assumed. After the expiration of the statutory statute of limitations, if the right holder exercises the right to claim, the people's court will no longer provide protection. Legal objectivity:

Article 188 of the Civil Code stipulates that the statute of limitations for petitioning the People’s Court for protection of civil rights is three years. If the law provides otherwise, such provisions shall prevail. The statute of limitations shall be calculated from the date when the right holder knows or should know that the right has been damaged and the obligor knows. If the law provides otherwise, such provisions shall prevail. However, if it has been more than 20 years since the right was damaged, the people's court will not grant protection. If there are special circumstances, the people's court may decide to extend the time based on the application of the right holder.